My chip app froze (probably a phone issue) which necessitated deleting and re-installing the app. In so doing, I lost access to my funds (the original mobile number upon which the account was opened i... See more
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Review summary
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Reviews shaping this summary
I sent Chip an email with a query I had before taking out an ISA. I had an immediate response from Matt explaining all that I needed to know and details of the offer I had queried, so I went ahead and... See more
Company replied
Following a bereavement, I was tasked with reaching out to Chip. All my messages were with the same person, Todd, who consistently offered his condolences . I was kept up to date with progress at... See more
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We opened Chip accounts earlier this year & have not been disappointed. The app is so easy to navigate. Transferring money in & out couldn't be easier, & seeing the daily interest adding up is great.... See more
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Company details
About Chip
Written by the company
Chip is here to make your life wealthy; we offer one simple, personalised experience to manage, grow and protect your wealth. That’s why we’ve been crowned ‘Best Personal Finance App’ in 2025, 2024, 2022, 2019 at the British Bank Awards.
With Chip you can:
- Start investing from £1 with our range of investment funds.
- Build wealth tax-free1 with our Cash ISA and Stocks & Shares ISA.
- Track your entire investments and savings portfolio in one place.
- Set your financial goals, link an account and save for those milestone moments.
- Our smart features, like autosaving and recurring deposits, help make investing and saving seamless and easy.
- Open any of our savings accounts completely free within minutes2.
- All savings accounts in Chip are eligible for FSCS protection on up to £85,0002.
- UK-based customer support available 7 days a week.
Everything else you need to know:
- Seccl Custody Limited is the ISA Manager for our Stocks and Shares ISA. A monthly or annual ChipX membership is required for certain funds selected within a Stocks and Shares ISA. Fund management charges apply. ISA limits apply. Invest £20k per tax year.
- Chip is a trading name of Chip Financial Ltd, authorised and regulated by the FCA (FRN: 911255). ClearBank Limited is the account provider for our savings accounts.
- Chip Financial (Investments) Ltd is authorised and regulated by the Financial Conduct Authority, under firm reference number 1005114.
- When investing, your capital is at risk. 1Tax treatment depends on individual circumstances and may be subject to change in the future. Chip does not provide tax or financial advice.
Contact info
232 Shoreditch High Street , E1 6PJ, London, United Kingdom
- hello@getchip.uk
- getchip.uk
4.4
Excellent
5K reviews
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It's easy to sort any problems out
It's easy to sort any problems out, and excellent to save with
5 April 2026
Unprompted review
Reply from Chip
Hi Trevor,
We appreciate your kind words. Ensuring that our platform remains an excellent place to save while providing easy solutions to any potential problems is fundamental to our service. Thank you for choosing Chip and for your continued support.
The Chip Team
It was quick and explained in detail…
It was quick and explained in detail what was wrong and what I needed to do. Very polite and helpful service.
17 April 2026
Unprompted review
Reply from Chip
Hi Alusine,
Thank you for your feedback. We are pleased that our team provided the detailed and polite guidance you required to resolve your issue. Providing clear, actionable instructions is a primary objective for our customer service department, and we appreciate your recognition of our efforts.
The Chip Team
Got locked out the app
Got locked out the app, got in touch and this was sorted very quickly without much hasstle. Much appreciated
17 April 2026
Unprompted review
Reply from Chip
Hi there,
We appreciate your patience while we resolved your account access issue, we are pleased to hear that this was handled with minimal hassle for you. Thank you for your support.
The Chip Team
Quick and helpful support
Quick and helpful support, that answered an account question. Good to feel that there is someone on the other end of a chat message.
13 April 2026
Unprompted review
Reply from Chip
Hi Graham,
Thank you for your feedback. We believe that providing a genuine human connection within our chat service is essential for a high quality experience. We are glad you felt supported and that our team could provide the reassurance you needed regarding your account.
The Chip Team
Problem setting up Facial Recognition
An ongoing problem setting Facial Recognition on my I Phone. The answer was quick, and in a manner that was easy to understand and follow. Given my age and technical understanding this was essential.
9 April 2026
Unprompted review
Reply from Chip
Hi Allan,
Thank you for your review. We are committed to ensuring our technical guidance is clear and accessible to all users, regardless of their technical background. We are pleased our team could assist you in resolving the facial recognition issue on your device so effectively.
The Chip Team
Setting up a new account when you have just moved had a nightmare trying to set up an…
I had a nightmare trying to set up an account I had just moved house so driving licence boils etc was all in my now old address
I emailed customer care Ben came back to me quickly and after a few emails it was all sorted Ben was a great help and understood my position completely setting my account for me using solicitors paper and bank information on the sale good guy thank you
15 April 2026
Unprompted review
Reply from Chip
Hi Reg,
Thank you for sharing this. We understand that moving house introduces administrative complexities, and we are glad Ben could facilitate your onboarding through professional flexibility and clear communication. We will certainly pass your commendation along to Ben for his exceptional support!
The Chip Team
Any queries are always replied to fast…
Any queries are always replied to fast . Recommend Chip as find there service easy and helpful and great to invest with
16 April 2026
Unprompted review
Reply from Chip
Hi Marina,
We appreciate your recommendation. Providing a fast, helpful service that makes the investment process straightforward is our aim. We are delighted that you find our platform easy to use and look forward to supporting your financial growth.
The Chip Team
Great customer service and quick…
Great customer service and quick response!
16 April 2026
Unprompted review
Reply from Chip
Hi Salma,
Thank you for your feedback. We are pleased to hear that our customer service team provided the quick and effective response you expected. Maintaining a high standard of support is a primary objective at Chip, and we appreciate your recognition of our efforts.
The Chip Team
excellent help securing my account…
excellent help securing my account after my phone was stolen.
9 April 2026
Unprompted review
Reply from Chip
Hi Alan,
We're extremely happy to hear that we could help secure your account after your phone was stolen. Thank you for sharing your positive experience with us.
The Chip Team
Great bank
Great bank - great app, exceptional customer service from Ben.
15 April 2026
Unprompted review
Reply from Chip
Hi Jared,
Thank you for your recommendation. We are delighted that you find our platform excellent and that Ben provided the exceptional service we strive for. We will be sure to pass your commendation along to Ben and the wider team. We value your support and your business.
The Chip Team
The worst pop up unregulated bank known…
The worst pop up unregulated bank known to man.
My mother has £4k in the bank. She's now passed away and they are refusing to pay my mom's funeral!
Financial ombudsman have said they have tons of complaints, but due to them being unregulated they are awaiting more powers to argue against this delboy firm!
27 June 2025
Unprompted review
Reply from Chip
Hi Luke,
We’re really sorry to hear about your loss. This sounds like an incredibly difficult situation, and we understand how distressing this must feel.
Chip is a regulated company and works with fully authorised UK banks to hold customer funds. In the case of a bereavement, there is a specific process we must follow before any funds can be released, including verifying documentation. This is to ensure we’re protecting the account and acting correctly.
If you do have any further questions we can always be reached at hello@getchip.uk via email.
The Chip Team
Reply from Chip
Hi Christian,
We appreciate your feedback. Delivering quick and effective responses to all user inquiries is what we aim for, thank you for taking the time to highlight your positive experience with our service speed.
The Chip Team
Great customer service from CHIP and to…
Great customer service from CHIP and to deal with a real person is reassuring.
Thanks CHIP.
10 April 2026
Unprompted review
Reply from Chip
Hi Andrew,
Thank you for your review. We believe that providing access to dedicated, professional staff is essential in the financial services sector. We are pleased that you found our human led support reassuring and effective. Thank you for choosing Chip to manage your savings.
The Chip Team
Good people to bank with
Good people to bank with, good rates
Easy to use.
Prompt customer service
10 April 2026
Unprompted review
Reply from Chip
Hi Stephen,
Thank you for your feedback. We strive to combine competitive interest rates with an intuitive platform and responsive customer service. It is rewarding to hear that we are meeting these standards for you. We appreciate your continued support and trust in the Chip platform.
The Chip Team
Very helpful support from Mike on the…
Very helpful support from Mike on the helpdesk who sorted out my change of name query promptly and professionally. Much appreciated Mike 🙂
13 April 2026
Unprompted review
Reply from Chip
Hi Dawn,
Thank you for your review. We are pleased that Mike provided the prompt and professional support required to resolve your change of name query, we will be certain to share your gratitude with Mike personally.
The Chip Team
David B
I didn’t draw on Chip’s service because of a change in financial priorities. What appealed to me was the welcome I was given to the Chip community. My experience with the company was genuinely pleasing and I felt valued as a new investor. Great experience; a shame I had to exit from Chip. If it helps, I would certainly recommend this investment company if future investors were to draw on this service provider.
13 April 2026
Unprompted review
Reply from Chip
Hi David,
Thank you for your kind words. We are pleased you felt valued as a member of the Chip community, even for a short duration. Your recommendation is highly appreciated, and we wish you the best with your financial priorities. We would be delighted to welcome you back should your circumstances change in the future.
The Chip Team
Oustanding Service
Great experience. So quick to respond to queries and staff are so polite and helpful. Needed a statement for my tax return on one of the accounts I had closed. This had to be done manually by Chip but was still provided in less than 24 hrs. Outstanding service and would not hesitate in recommending them.
13 April 2026
Unprompted review
Reply from Chip
Hi Caroline,
Thank you very much for your recommendation. We recognize that tax related requests are time sensitive, and we are pleased our team could manually provide your statement for a closed account in under 24 hours.
The Chip Team
Very helpful when resolving a problem…
Very helpful when resolving a problem that was my fault. Asked the right questions and sorted it out. (No dealing with a bot who cannot understand what you mean.)
13 April 2026
Unprompted review
Reply from Chip
Hi Laura,
Thank you for your feedback. We believe that direct human interaction is essential for resolving specific issues effectively. We are delighted our team could provide the necessary guidance to rectify the situation for you in a helpful and professional manner.
The Chip Team
Saw Chip and was interested in their offers
I heard about Chip and was interested in their bank account where your money can earn you prizes. Setting up a new account was easy. Unfortunately when I went to transfer money the only way seemed to be through your bank account even though I added a debit card. Chip then want visual access to my bank account for 90 days. Absolutely no way so I shut my account immediately. A total waste of time.
11 April 2026
Unprompted review
Reply from Chip
Hi Natasha,
Sorry to hear this was your experience, and we understand why that would feel frustrating.
To clarify, Chip uses secure Open Banking connections to link your bank account. This is what allows you to transfer money in and out, and to automate saving, we can't see or control your account in the way it might sound, it simply lets us read certain information, with your permission, to provide the service. It’s also time-limited and regulated.
At the moment, debit cards can be added for certain features, but bank transfers remain the main way to fund accounts.
We appreciate this won’t be for everyone, but thank you for giving Chip a try.
If you have any further questions, feel free to reach out via the in-app chat.
The Chip Team
Emailed in with a login problem and got…
Emailed in with a login problem and got a response within a couple of hours. Not only was the problem solved quickly but the staff member dealing with my case was kind and professional.
11 April 2026
Unprompted review
Reply from Chip
Hi Kelly,
Thank you for sharing your experience. We strive to combine technical expertise with a kind, professional approach, and we are glad we could resolve your login issue within a few hours. We value your continued trust in Chip and are pleased to have you back in the app.
The Chip Team
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